Credit union · NCUA insured
Amherst Federal Credit Union
A $42.5M credit union headquartered in Williamsville, NY, with 3,875 members and 1 branch in New York. Best rates: CDs 4.25% and savings 0.25% APY.
Amherst Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#26 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Amherst Federal Credit Union
Founded in 1947 by educators as Amherst Teacher's Federal Credit Union, Amherst Federal Credit Union is a member-owned institution based in Amherst, New York.
After adopting a community charter in 2012, it serves residents, workers, students, and businesses across Erie County and the greater Buffalo area.
- Headquarters
- 6470 Main St, Ste 5, Williamsville, NY 14221-5851
- NCUA charter
- 5439
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
- Open to persons who live, work, worship, or attend school in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
Employers and groups
- Open to employees of this credit union.
- Open to organizations of eligible persons.
Family and household
- Open to members of the immediate family or household of eligible persons.
- Open to spouses of persons who died while within the field of membership of this credit union.
1 more way to join
Other ways
- Open to volunteers in the community.
Branches
1 branch in New York
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New York
1 branch
- Amherst FCUMain office6470 Main St, Ste 5, Williamsville, NY 14221Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.31% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $55 | $59 | — |
- CapitalNet worth ratio10.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$55Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Amherst Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.